Home / Machinery Refinance
Unlock Cash from Machines You Already Own
Refinance unencumbered machinery and equipment to release working capital — funds against assets that are already earning for you.
Funding Amount
₹50 Lakh – ₹25 Cr
Approval Timeline
1–3 weeks
Pricing
11% p.a. onwards
About Machinery Refinance
Fully paid machinery is trapped capital. Machinery refinance releases it: lenders fund 60–80% of the assessed value of your unencumbered equipment, converting idle asset value into working capital, expansion funding or debt consolidation — without touching property collateral.
LOANYARD CAPITAL arranges refinance across CNC machines, printing and packaging lines, construction equipment and medical systems, coordinating chartered-engineer valuations and placing files with the NBFCs and banks most aggressive on your asset class.
Key Benefits
Who Should Apply
- Owners of unencumbered machinery fleets
- Businesses needing capital without property
- Contractors monetising equipment banks
- Firms consolidating expensive short debt
Eligibility
- Clear ownership of machines (no existing charge)
- Machines within acceptable age norms
- Business cash flows to service EMIs
- Verifiable purchase documentation
Documents Required
- KYC of promoters and business entity
- Last 2–3 years financial statements / ITRs
- Last 12 months bank statements
- GST returns where applicable
- Existing loan sanction letters and repayment track
- Requirement-specific documents (we guide you)
Industries Served
Our Process
Consultation
We understand your requirement, financials and timelines.
Structuring
Our analysts prepare a lender-grade proposal.
Placement
Competitive placement across best-fit lenders.
Negotiation
Amount, pricing, tenure and covenants negotiated.
Disbursement
Documentation to disbursal, managed end to end.
Why LOANYARD CAPITAL
15+ Years
Advisory Experience
500+
Corporate Clients
100+
Lending Relationships
Pan-India
Coverage